Purchase APR
16.25%
Annual fee
None
Foreign fee
1%
No score≤619
Carrying $3k for a year ≈ $487.50
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61
LCCU Secured Visa Credit Card
Secured cardRegionalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
11.25%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days
Contract X-Ray — what's buried in the fine print
0 red flags · 4 filed docsDetected in the CFPB-filed cardholder agreements from Latino Community Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11.25%
Median11.25%
Highest offered11.25%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11.25%
Median11.25%
Highest offered11.25%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee$0.75
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$10
Over-limit feeNone
Minimum finance charge$25
Balance computationAverage daily balance including new purchases
Additional fees
returned payment fee$5
Rewards, benefits and features
Rewards
None reported
Services
- Access to Free Credit Scores
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityRegional
StatesNC
Membership requirementsYes
RequirementOther. Please Describe:
Phone9195951800
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 11.25%$337.50
Annual / periodic fees$0
Total yearly cost$337.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
4 documents filed by Latino Community Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
9.95–12.95%
Annual fee
None
Foreign fee
None
620–719720+Travel-related
Carrying $3k for a year ≈ $343.50
Purchase APR
9.95–12.95%
Annual fee
None
Foreign fee
None
620–719720+Travel-related
Carrying $3k for a year ≈ $343.50
Purchase APR
10–18%
Annual fee
None
Foreign fee
1%
≤619620–719
Carrying $3k for a year ≈ $345